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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $178,515 | $49,976+257.2% | $66,674+167.7% | $82,637+116.0% |
| Participation rate | 20.0% | 63.1%-43.1pp | 73.7%-53.7pp | 68.1%-48.1pp |
| Annual return | 17.20% | 39.09%-21.9pp | 321.24%-304.0pp | 53.51%-36.3pp |
| Employer contribution / active EE | $894 | $1,988-55.0% | $2,620-65.9% | $2,552-65.0% |
| Participant deferral / active EE | $2,157 | $2,847-24.2% | $4,084-47.2% | $4,126-47.7% |
| Admin fee / account holder | $14,372 | $4,594+212.9% | $5,098+181.9% | $7,339+95.8% |